The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,914
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,378
−HK$471/mo
Today · 4.125%
HK$15,849
baseline
▲ 0.50% · 4.625%
HK$16,814
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,698/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,592
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,037
−HK$451/mo
Today · 4.125%
HK$17,488
baseline
▲ 0.50% · 4.625%
HK$18,410
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,976/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,897
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,454
−HK$565/mo
Today · 4.125%
HK$19,019
baseline
▲ 0.50% · 4.625%
HK$20,177
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,038/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,910
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,444
−HK$542/mo
Today · 4.125%
HK$20,986
baseline
▲ 0.50% · 4.625%
HK$22,092
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,972/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,880
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,529
−HK$660/mo
Today · 4.125%
HK$22,189
baseline
▲ 0.50% · 4.625%
HK$23,539
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,378/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,229
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,852
−HK$632/mo
Today · 4.125%
HK$24,484
baseline
▲ 0.50% · 4.625%
HK$25,774
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,968/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,846
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$848/mo
Today · 4.125%
HK$28,529
baseline
▲ 0.50% · 4.625%
HK$30,265
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,058/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,865
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,666
−HK$813/mo
Today · 4.125%
HK$31,479
baseline
▲ 0.50% · 4.625%
HK$33,138
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,958/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,058 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).